Bankers Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
52nd9.2% deniedPricingmedian rate spread over APOR, weight 30%
88th-0.10 ptsProcesswithdrawn + incomplete share, weight 15%
48th12.0%Closing coststotal loan costs ÷ loan amount, weight 10%
85th0.97% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 749 | 573 | 10.4% | 11.8% | 6.25% | $261M |
| 2024 | 546 | 390 | 9.9% | 11.9% | 8.00% | $312M |
| 2025 | 910 | 716 | 8.1% | 9.2% | 6.38% | $389M |
What Bankers Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 279 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 46 investment properties.
Why Bankers Trust denies applications
Primary reason reported for each of the 74 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bankers Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 83 | 49 | 26.1% |
| $50k – $100k | 298 | 232 | 10.7% |
| $100k – $150k | 147 | 111 | 11.8% |
| $150k – $250k | 129 | 101 | 6.3% |
| Over $250k | 198 | 173 | 2.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 70 | 54 | 10.0% |
| 25–34 | 213 | 180 | 4.7% |
| 35–44 | 155 | 119 | 8.4% |
| 45–54 | 170 | 132 | 14.7% |
| 55–64 | 151 | 110 | 10.9% |
| 65–74 | 85 | 65 | 10.7% |
| Over 74 | 34 | 25 | 10.0% |
Where Bankers Trust lends
12 states and 56 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Bankers Trust denied 9.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 52nd percentile of small mortgage lenders.
The most common reason Bankers Trust gave in 2025 was "debt-to-income ratio", cited on 60.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Bankers Trust originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was -0.10 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 58% of its applications were for home purchases, 21% for refinancing (including cash-out), and 20% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.